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UnumNew Business Service CenterP.O. Box 180156Chattanooga, TN 37401
Imperial CountyEligible EmployeeEnrolling in CA
©2011 Unum Group. All rights reserved. Unum is a registered trademark andmarketing brand of Unum Group and its insuring subsidiaries.*5
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As a benefit eligible employee of Imperial County, you maynow participate in the voluntary employee benefit(s).
In order to make an informed benefit selection, please taketime to review the enclosed information.
Your next step . . . .
1. Review the enclosed information regarding your benefit options.
2. Select the benefit choices that are right for you and your family (ifapplicable).
3. Call the Enrollment Line at (866) 580-6811 from 10/26/2011 −11/18/2011. Convenient hours of operation are 8:00 am to 8:00 pm ETMonday − Friday. Please have the enclosed benefit information withyou when you call.
4. 11/18/2011 is the last day to apply.
Imperial County is excited to be able to offer these benefits and wehope that you will make every effort to learn more about them!
G-74130 6-06
What’s being offered
Individual InterestSensitive Whole Life
Accident Insurance
Specified Critical Illness
©2011 Unum Group. All rights reserved. Unum is a registered trademarkand marketing brand of Unum Group and its insuring subsidiaries.*5
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Make your mark on their future.
Joan believes the best things in life happen in pairs, like her twin boys and her gracefully aging parents. If something should happen to her, she wants to take care of her loved ones so they can focus on taking care of each other.
How to apply )
Could your family members maintain their lifestyle without you?Unum’s interest-sensitive whole life insurance can help.
Your benefit enrollment is coming soon. To learn more, watch for information from your employer.
Three reasons to buy this coverage at work — now1. You get affordable rates when you buy this policy through
your employer. The premiums do not increase with age and are conveniently deducted from your paycheck.
2. You own the policy so you can keep it even if you leave the company or retire. Unum will bill you directly for the same premium amount.
3. Coverage becomes effective on the first day of the month in which payroll deductions begin.
M Y W O R K S H E E T
(This may help you decide how much coverage you need.)
Outstanding debt How much will be left for your family to pay?
Mortgage balance $ _______Other debt (credit cards, loans, car payment) $ _______TOTAL $ _______
Ongoing expenses How much do your dependents need each year?
Utilities (electric, phone, cable, Internet) $ _______Medical costs, insurance $ _______Food, clothing, gasoline $ _______Savings contributions (retirement) $ _______TOTAL $ _______
Future plans How much will your loved ones need for the future?
College $ _______Other (retirement, long term care) $ _______
TOTAL $ _______
GRAND TOTAL $ _______
Subtract existing coverage – $ _______ Consider adding this amount of life insurance $ _______
EN-1141 (5-10)
What happens after you’re gone?
93% of Americans think it’s important for most
people to have life insurance, and yet nearly half of those surveyed say they don’t have enough coverage.1
75% of Americans with
dependents worry how their family would manage financially without them.2
$???
Interest-sensitive whole life insurance
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Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN
In NY, underwritten by: First Unum Life Insurance Company, New York, NY
unum.com
© 2010 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with all state civil union and domestic partner laws when applicable.
For employee information
EN-1141 (5-10)
*In NY, issue ages of children are 14 days to 14 years. 1 LIFE Foundation, “Cost Tops Consumers’ List of Excuses for Not Getting Life Insurance,” September 2, 2008. 2 LIFE Foundation, “Americans Willing to Risk Family’s Financial Security to Save Money in Tough Times,” September 18, 2008. 3 In IL, MA, and WA, the Living Benefit Option Rider benefit may be requested if you are diagnosed with a terminal illness limiting life expectancy to 24 months. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations that may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.
ISWL ‘08
Get the coverage you need.
My interest-sensitive whole life coverage
Amount I applied for:
Cost per pay period:
Date deductions begin:
$ ______________
$ ______________
_____/___/____
(For your records — complete during your enrollment)
Interest-sensitive whole life insurance is offered to all eligible employees ages 15 to 80 who are actively at work. You decide if it’s right for you or your family.
Four features that add value1. Accumulates cash value — Guaranteed at a rate of 4%. You
can borrow from the cash value or use it to buy a reduced policy with no more premiums due.
2. Living Benefit Option Rider — Included on all policies. You can request an advance, up to 100% of the benefit amount (maximum of $150,000), if you’re diagnosed with a terminal illness limiting life expectancy to 12 months or less.3
3. Adds more coverage that’s affordable — If your employer gives you term life insurance, you have some coverage, but
it may not be enough for your needs. You can buy interest-sensitive whole life insurance at an affordable premium that is fixed and guaranteed for life.
4. Requires no physical exam — During enrollment, you can get this insurance up to a specified amount without taking a health exam. You may be asked a few health questions.
Additional purchase optionAccidental Death Benefit Rider — Available at initial enrollment to employees and spouses ages 15 to 65, this rider pays an additional death benefit equal to the base policy amount (subject to a $150,000 maximum) if the policy holder dies before age 70 as the result of a covered accident.
Available family coverage
Who can have it?
Rider ends when your policy ends or when children turn 25. At that time, children are guaranteed the right to buy an individual whole life policy at 5 times the amount of their rider.
Spouse policyAges 15 to 80
Minimum policy amount of $2,000. Actual benefit amount based on coverage amount chosen and age at issue.
Even if you leave your employer, you can keep your spouse’s policy and be billed directly at home.
Child term riderWith purchase of employee or spouse policy, available to eligible children, stepchildren, legally adopted children and grandchildren (14 days to age 25*) of the primary insured adult.
$1,000 to $10,000 — one rider covers all children.
What’s the benefit amount? How long can they keep it?
Child policy No employee or spouse purchase needed. Same eligibility and issue ages as child rider.
Your children can keep it, even if you leave your employer.
Policies are individual. Benefit amounts based on age at issue and premium selected.
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Benefits that pay for covered accidents while you are on the road to recoveryUnum’s coverage provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need.
Examples of covered injuries include:
broken bones burns torn ligaments concussion eye injuries ruptured discs cuts repaired by stitches
Some covered expenses include:
emergency room treatment
doctor office visit
hospitalization
physical therapy
See schedule of benefits for a full list of covered injuries and expenses.
If you have an accident,will it hurt your bank account too?Unum’s voluntary accident insurance gives you something to fall back on.
Life can take a tumble.
With a full-time job and three active kids, Marsha’s a busy woman. And as a single mom, she’s also thrifty. So if her kids break something other than a window, she doesn’t want an injury to break her bank account as well.
How to apply ) Your benefit enrollment is coming
soon. To learn more, watch for information from your employer.
Accident insurance
EN-1347 (5-10)
Who’s at risk? Americans make more than 42 million emergency room visits a year for unintentional injuries.1
About two-thirds of disabling injuries suffered by American workers are not work-related.2
An illustrative example of how accident coverage can help you with your expenses*
Fall at home
Broken toe and ACL tear (knee ligament injury)
Accident:
Injury:
$100 emergency room copay $250 deductible $750 copay for surgery ($3,750 x 20%) $150 copay for 10 physical therapy visits
Total out-of-pocket expenses: $1,250
$150 emergency room copay $100 appliance (knee brace) $100 fractured toe $400 surgical ligament tear repair $ 50 follow-up appointment$150 for six physical therapy sessions
Total benefit paid under policy: $950
40-year-old claimant
Out-of-pocket expenses incurred:
Benefits paid:
*Costs of treatment and benefit amounts may vary.
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Get the coverage you need.Choose the coverage that’s right for you. Your accident insurance plan can provide benefits for covered accidents that occur off the job. Accident insurance is offered to all eligible employees ages 17 to 80* who are actively at work. You decide if it’s right for you and your family.
Five reasons to buy this coverage at work1. No health questions to answer. If you apply, you
automatically receive this base plan.
2. You own the policy so you can keep it even if you leave the company or retire. Unum will bill you directly for the same premium amount.
3. Coverage becomes effective on the first day of the month in which payroll deductions begin.
4. Your base coverage is guaranteed renewable for life.
5. Premiums are conveniently deducted from your paycheck.
Additional coverage option
Hospital Confinement for Sickness Rider If offered by your employer, you may choose this coverage for an additional premium. This rider pays the insured employee, spouse or child(ren) a daily benefit if he or she is in the hospital for a covered illness. Amount is $100† per day for employee and spouse; $75† for children. The eligible age for employee and spouse is 17 to 67* and 14 days through 24 years for children.
This rider is available to family members who are covered by the base plan.
The rider includes a 12-month pre-existing condition limitation and a nine-month pregnancy exclusion. Employees and their spouses need to answer certain health questions when applying for this rider.
Ages 17 to 80,* if actively at work or not disabled
Available family coverage
Who can have it?
Available to eligible children, stepchildren, and legally adopted children, ages 14 days through 24 years,who are not disabled and/or married
Spouse coverage
Child coverage
In Vermont, insured individuals must be covered by comprehensive health insurance before applying for accident insurance. The policy is non-cancelable in MA.
*In California, coverage is issued to eligible employees ages 17 to 64. †In Florida and North Carolina, the amount is $200 per day for employee and spouse and $150 per day for children.
1,2 National Safety Council, “Injury Facts,” 2009 Edition.This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations that may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form L-21762, or contact your Unum representative.
Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN unum.com
© 2010 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with all state civil union and domestic partner laws when applicable.
THIS IS A LIMITED POLICY.
EN-1347 (5-10)
My accident coverage
Coverage plan chosen:
Cost per pay period:
Date deductions begin:
_______________
$ _____________
___/___/____
(For your records — complete during your enrollment)
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Can your wallet survive a serious illness?The answer can be “yes” with specifi ed critical illness insurance from Unum.
Life can change in a heartbeat.
Heart problems run in Ann’s family. But she has two active boys to keep up with. She’d rather worry about their antics making her heart skip a beat, not the high cost of a heart condition.
Use your critical illness benefi t any way you choose.Critical illness insurance pays you a lump sum benefi t at the fi rst diagnosis3 of a covered illness.*It can be used however you choosefor the expenses health insurance doesn’t cover.
Illnesses covered by the base plan include: heart attack stroke major organ transplant permanent paralysis due to a covered accident end-stage renal (kidney) failure coronary artery bypass surgery (pays 25% of lump
sum benefi t)
Illnesses covered by the enhanced plan include all of the above, plus: cancer carcinoma in situ4 (pays 25% of lump sum benefi t)
Please refer to the policy for complete defi nitions of covered critical illnesses.
Your benefi t enrollment is coming soon. To learn more, watch for information from your employer.
How to apply)
Voluntary specifi ed critical illness insurance
What’s the risk? Every 26 seconds an American
will have a coronary event, such as a heart attack or stroke.1
Many patients pay as much as $5,000 or more per month out of pocket for cancer-treatment drugs — even for generics.2
M Y C R I T I C A L I L L N E S S W O R K S H E E T
$ _______
$ _______
$ _______
$ _______
$ _______
$ _______
$ _______
$ _______
Costs to consider* Medical deductible ($500)
Out-of-pocket medical expenses ($4,000) (May include hospital stay, physician copays, physical therapy, medical equipment, prescription copays)
Alternative treatments (16 sessions = $2,400) Home health care (2 weeks = $1,500)
Child care (4 weeks = $800)
Transportation to health facilities (as much as $700 for 2 plane tickets)
Lodging near health facilities (as much as $1,000 for 5-night stay)
Out-of-pocket expense total ($10,900)
*For illustrative purposes only. Approximate costsbased on national averages. Costs will vary.
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Get the coverage you need.Critical illness insurance is offered to all eligible employees age 16 to 69 (64 in California) who are actively at work. Choose the benefi t amount that’s right for you — from $5,000 to $50,000, in $1,000 increments.
Three reasons to buy this coverage at work1. You get affordable rates when you buy this policy
through your employer, and the premiums are conveniently deducted from your paycheck.
2. You own the policy so you can keep it even if you leave the company or retire. Unum will bill you directly for the same premium amount.
3. Coverage becomes effective on the fi rst day of the month in which payroll deductions begin.
Employer-selected benefi t optionYour employer may automatically include this option as part of your benefi ts, for an additional premium.
Health Screening Benefi t Rider This benefi t pays $50 per calendar year per insured individual if a covered health-screening test is performed, including blood tests, chest X-rays, stress tests, mammograms5 and colonoscopies. Eligibility begins 30 days after the coverage effective date. A full list of more than 20 covered tests will be provided at your enrollment.
Employee-elected benefi t optionYour employer may make this option available to you to purchase, for an additional premium.
Enhanced (two payout) planThis plan includes all covered conditions previously listedand can provide an additional lump sum benefi t following diagnosis of cancer and/or carcinoma in situ.
Policy provisions Reduction of benefi tsThe benefi t amount for the employee and spouse reduces by 50% on the fi rst policy anniversary after the insured individual’s 70th birthday, or fi ve years after the policy effective date, whichever is later. Premiums for the policy will not be reduced. If partial benefi ts for coronary artery bypass surgery or carcinoma in situ have been paid prior to the reduction of benefi ts, then the new benefi t amount will be calculated by applying the 50% to the benefi t amount reduced by the prior payout.
The additional Cancer and Carcinoma In Situ Benefi tNo benefi ts will be paid for cancer or carcinoma in situ if the date of diagnosis occurs during the fi rst 30 days from the coverage effective date.
Age 16 to 64 with purchase of employee policy6 From $5,000 to $30,000 in $1,000 increments
Available family coverage
Who can have it?
Available with purchase of employee policy for eligible children, stepchildren and legally adopted children, 14 days through 24 years (who are not married and are dependent on the employee for at least half of their support)7
$5,000 or $10,000 — one rider covers all children
Spouse rider
Child rider
What’s the benefi t amount?
*This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefi ts payable. For complete details of coverage and availability, please refer to Policy Form L-21780 or contact your Unum representative.
In GA and PA, permanent paralysis is not a covered condition. Insured individuals are not eligible for coverage if supplementing a specifi ed disease (cancer) plan. In SD, waiting period for cancer is extended to 90 days. In CA, DE, GA, ME, OR, PA, TX and VT insured individuals must be covered by comprehensive health insurance before applying for CI05 insurance.
Underwritten by: Provident Life and Accident Insurance Company1 Fountain Square, Chattanooga, TN 37402 unum.com
© 2009 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.
Unum complies with all state civil union and domestic partner laws when applicable.
1 The American Heart Association, “Heart Disease and Stroke Statistics—2008 Update,” January 29, 2008.2 The New York Times, “Insurance Lags as Cancer Care Comes in a Pill,” By Andrew Pollack, April 14, 2009.3 Benefi ts will not be payable for a covered critical illness if you or a covered dependant were diagnosed with or sought treatment for the same critical illness within the 10-year period prior to the coverage effective date.4 Cancer that involves only cells in the tissue in which it began and that has not spread to nearby tissues.5 In CA, mammograms are covered under the Enhanced plan. See your policy for benefi t details.6 Employees and spouses may be covered under a policy or the Spouse Rider, but not both.7 In UT, coverage for children is 14 days to 26 years.
THIS IS A LIMITED POLICY.
My critical illness coverage
Amount I applied for:
Cost per pay period:
Date deductions begin:
$ _____________
$ _____________
___/___/____
(For your records — complete during your enrollment)
EN-1043 (10-09) FOR EMPLOYEE INFORMATION – CI05
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